The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$5,311
−HK$333/mo
▼ 0.25% · 3.875%
HK$5,476
−HK$168/mo
Today · 4.125%
HK$5,644
baseline
▲ 0.50% · 4.625%
HK$5,987
+HK$343/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$11,288/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,908
−HK$319/mo
▼ 0.25% · 3.875%
HK$6,067
−HK$160/mo
Today · 4.125%
HK$6,227
baseline
▲ 0.50% · 4.625%
HK$6,556
+HK$329/mo
Deposit HK$1.16M · loan HK$1.16M · min. income ≈ HK$12,454/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,373
−HK$400/mo
▼ 0.25% · 3.875%
HK$6,571
−HK$202/mo
Today · 4.125%
HK$6,773
baseline
▲ 0.50% · 4.625%
HK$7,185
+HK$412/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$13,546/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,090
−HK$383/mo
▼ 0.25% · 3.875%
HK$7,280
−HK$193/mo
Today · 4.125%
HK$7,473
baseline
▲ 0.50% · 4.625%
HK$7,867
+HK$394/mo
Deposit HK$932K · loan HK$1.40M · min. income ≈ HK$14,946/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,435
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,666
−HK$235/mo
Today · 4.125%
HK$7,901
baseline
▲ 0.50% · 4.625%
HK$8,382
+HK$481/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$15,802/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,272
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,493
−HK$225/mo
Today · 4.125%
HK$8,718
baseline
▲ 0.50% · 4.625%
HK$9,178
+HK$460/mo
Deposit HK$699K · loan HK$1.63M · min. income ≈ HK$17,436/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,560
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,857
−HK$302/mo
Today · 4.125%
HK$10,159
baseline
▲ 0.50% · 4.625%
HK$10,777
+HK$618/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$20,318/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,635
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,920
−HK$289/mo
Today · 4.125%
HK$11,209
baseline
▲ 0.50% · 4.625%
HK$11,800
+HK$591/mo
Deposit HK$233K · loan HK$2.10M · min. income ≈ HK$22,418/mo (50% DSR)
Upfront cash ≈ HK$233K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).